The Study of Financial and Legal Literacy of Individuals in the Emergence of Legal Behavior in the Organization

Abstract

In the current era - the era of rights - legal literacy is recognized as one of the components of the power, ability and capability of citizens, and knowledge of the law is considered power. On the one hand, legal literacy makes citizens familiar with individual and group rights and is considered a necessary prelude to their demands, and on the other hand, by introducing the tasks to individuals, it makes the predictability of citizens' lives better. Although legal literacy is not explicitly mentioned in most of the current laws and regulations of the country, the general emphasis on the need to inform the people in some legal documents can be seen with a broad interpretation including the obligation to provide legal information and legal literacy education. It is necessary in the field of legislation by formulating a strong legal framework and in the field of implementation by providing formal and informal legal literacy education and also through cooperation with civil organizations active in this field, the field of achieving this right - especially for vulnerable groups such as women and the elderly - to be fully provided; Especially considering the fact that without the creation, development and deepening of legal literacy, the creation of a legal state and a modern state faces many difficulties. The article discusses the main approaches to the analysis of the financial literacy of the population as a factor of reasonable financial behavior. This is important for all countries, but especially for Russia, where entire generations were not familiar with financial instruments. The culture of financial behavior as an element of financial literacy has a significant impact on the financial behavior of citizens. However, it is extremely difficult to predetermine and, accordingly, predict the direction of this behavior. This is due to the fact that, on the one hand, existing attitudes are very stable and difficult to change. Changing behaviors takes a long time. On the other hand, the conditions for the functioning of the external financial environment are being transformed: atypical financial products are emerging that are innovative in nature for Russian society. In everyday life, when executing their own budget, the population stably adheres to the principles of behavior that have been established since Soviet times. At the same time, fundamentally new processes (stock markets, structural financial instruments, stock exchanges, investment instruments and others) arouse interest, against the background of a lack of deep thorough knowledge. If people are financially literate, they will be able to more effectively invest their funds by investing within their own national economy, because the savings of citizens are one of the main resources for its development.